@import url('https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,400;8..60,600;8..60,700;8..60,800&family=DM+Sans:wght@400;500;600;700;800&display=swap');
:root{--navy:#0B1D3A;--dark:#132B50;--blue:#1E4D8C;--accent:#E8553D;--accent-h:#D04530;--accent-l:#FFF0ED;--gold:#F5A623;--green:#2EAD6B;--bg:#F4F6F9;--mid:#E2E6EC;--txt:#1A1A2E;--txt2:#4A5568;--txt3:#718096;--serif:'Source Serif 4',Georgia,serif;--sans:'DM Sans',-apple-system,sans-serif;--w:1140px}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--sans);color:var(--txt);line-height:1.7;-webkit-font-smoothing:antialiased}a{color:var(--blue);text-decoration:none}a:hover{color:var(--accent)}img{max-width:100%;height:auto}
.w{max-width:var(--w);margin:0 auto;padding:0 24px}.sec{padding:72px 0}.sec-l{background:var(--bg)}.sec-d{background:var(--navy);color:#fff}
h1,h2,h3,h4{font-family:var(--serif);line-height:1.2;letter-spacing:-0.02em;color:var(--txt)}
h1{font-size:clamp(30px,4.5vw,46px);font-weight:800;margin-bottom:20px}
h2{font-size:clamp(22px,3vw,32px);font-weight:700;margin-bottom:16px;margin-top:48px;border-bottom:2px solid var(--mid);padding-bottom:10px}
h3{font-size:clamp(17px,2vw,22px);font-weight:700;margin-bottom:10px;margin-top:32px}
h4{font-size:17px;font-weight:700;margin-bottom:8px;margin-top:24px}
p{margin-bottom:16px;font-size:16px}.lead{font-size:18px;color:var(--txt2);line-height:1.7}
/* article */
.art{max-width:780px;margin:0 auto}
.art h2:first-of-type{margin-top:28px}
.art ul,.art ol{margin:12px 0 20px 24px}.art li{margin-bottom:8px;font-size:16px;line-height:1.6}
.art blockquote{border-left:4px solid var(--accent);padding:16px 24px;margin:24px 0;background:var(--accent-l);border-radius:0 8px 8px 0;font-style:italic;color:var(--txt2)}
.law{background:#EEF2FF;border:1px solid #D4DBEF;border-radius:8px;padding:16px 20px;margin:20px 0;font-size:14px;color:var(--blue)}.law strong{color:var(--navy)}
.warn{background:#FFF8F0;border:1px solid #FEECD6;border-radius:10px;padding:20px 24px;margin:24px 0}
.tip{background:#F0FFF4;border:1px solid #C6F6D5;border-radius:10px;padding:20px 24px;margin:24px 0}
.step{background:var(--bg);border:1px solid var(--mid);border-radius:12px;padding:24px 24px 24px 72px;margin:20px 0;position:relative}
.step .n{position:absolute;left:20px;top:24px;width:36px;height:36px;border-radius:10px;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px}
.step-cta{background:linear-gradient(135deg,var(--navy),var(--blue));border:none;color:#fff}
.step-cta .n{background:var(--accent)}.step-cta h4,.step-cta a{color:#fff}.step-cta p{color:rgba(255,255,255,0.85)}
/* toc */
.toc{background:var(--bg);border:1px solid var(--mid);border-radius:12px;padding:24px 28px;margin:24px 0 36px}
.toc b{display:block;margin-bottom:10px;font-size:15px}.toc ol{margin:0;padding-left:20px}.toc li{margin-bottom:5px;font-size:14px}.toc a{color:var(--blue);font-weight:500}
/* header */
.hd{background:var(--navy);padding:14px 0;position:sticky;top:0;z-index:100;border-bottom:1px solid rgba(255,255,255,0.06)}
.hd-in{display:flex;align-items:center;justify-content:space-between}
.hd-logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.hd-ico{width:36px;height:36px;border-radius:8px;background:linear-gradient(135deg,var(--accent),var(--gold));display:flex;align-items:center;justify-content:center;font-weight:800;color:#fff;font-size:15px}
.hd-t{color:#fff;font-weight:700;font-size:15px;line-height:1.1}.hd-t span{color:var(--accent)}
.hd-s{color:rgba(255,255,255,0.4);font-size:10px;letter-spacing:0.06em}
.hd nav{display:flex;align-items:center;gap:4px}
.hd nav a{color:rgba(255,255,255,0.7);padding:8px 14px;border-radius:8px;font-size:14px;font-weight:500;transition:0.2s}
.hd nav a:hover,.hd nav a.on{color:var(--accent);background:rgba(232,85,61,0.1)}
.hd-ph{background:var(--accent)!important;color:#fff!important;padding:10px 18px!important;border-radius:8px;font-weight:700!important;margin-left:8px}
.hd-ph:hover{background:var(--accent-h)!important}
.hd-m{display:none;background:none;border:none;color:#fff;font-size:28px;cursor:pointer}
.hd-mn{display:none;padding:12px 24px;background:var(--navy);border-top:1px solid rgba(255,255,255,0.06)}
.hd-mn a{display:block;color:rgba(255,255,255,0.7);padding:12px 14px;border-radius:8px;font-size:15px}
/* hero */
.hero{background:linear-gradient(145deg,var(--navy) 0%,var(--dark) 50%,var(--blue) 100%);padding:48px 0 56px;overflow:hidden}
.hero-p{padding:32px 0 40px}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(232,85,61,0.12);border:1px solid rgba(232,85,61,0.25);border-radius:100px;padding:5px 14px;margin-bottom:20px;color:var(--accent);font-size:12px;font-weight:600;letter-spacing:0.04em}
.dot{width:8px;height:8px;border-radius:50%;background:var(--green);animation:pulse 2s infinite}
.hero h1{color:#fff}.hero .lead{color:rgba(255,255,255,0.7)}
.bc{color:rgba(255,255,255,0.5);font-size:14px;margin-bottom:16px}.bc a{color:rgba(255,255,255,0.6)}.bc a:hover{color:var(--accent)}
.grad{background:linear-gradient(135deg,var(--accent),var(--gold));-webkit-background-clip:text;-webkit-text-fill-color:transparent}
/* btns */
.btn{display:inline-block;padding:14px 28px;border-radius:10px;font-weight:700;font-size:16px;cursor:pointer;border:none;transition:0.2s;text-decoration:none}
.btn-p{background:var(--accent);color:#fff;box-shadow:0 4px 20px rgba(232,85,61,0.3)}.btn-p:hover{background:var(--accent-h);color:#fff}
.btn-o{background:rgba(255,255,255,0.08);color:#fff;border:1px solid rgba(255,255,255,0.2)}.btn-o:hover{background:rgba(255,255,255,0.15);color:#fff}
.btn-w{background:#fff;color:var(--accent)}.btn-w:hover{background:#f8f8f8;color:var(--accent-h)}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
/* cta bar */
.cta{background:linear-gradient(135deg,var(--accent),#C93A28);border-radius:16px;padding:36px 40px;margin:48px 0;text-align:center;color:#fff}
.cta h3{color:#fff;font-size:24px;margin-top:0}.cta p{color:rgba(255,255,255,0.85)}
/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--mid);border-radius:14px;padding:28px;transition:0.2s;text-decoration:none;color:inherit;display:block}
.card:hover{border-color:var(--accent);transform:translateY(-2px);box-shadow:0 8px 30px rgba(11,29,58,0.08);color:inherit}
.card-i{font-size:32px;margin-bottom:12px}.card-t{font-family:var(--sans);font-size:18px;font-weight:700;margin-bottom:6px;color:var(--txt)}
.card-d{font-size:14px;color:var(--txt2);margin-bottom:14px;line-height:1.5}.card-l{font-size:14px;font-weight:600;color:var(--accent)}
/* mini cards */
.mcards{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:10px}
.mcard{background:var(--bg);border:1px solid var(--mid);border-radius:10px;padding:14px 18px;display:flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--txt);transition:0.2s}
.mcard:hover{border-color:var(--accent);color:var(--accent)}
/* stats bar */
.stats{display:flex;flex-wrap:wrap;gap:1px;margin-top:48px;background:rgba(255,255,255,0.04);border-radius:14px;border:1px solid rgba(255,255,255,0.06);overflow:hidden}
.stat{flex:1 1 180px;padding:18px 24px;text-align:center;border-right:1px solid rgba(255,255,255,0.06)}
.stat:last-child{border-right:none}
.stat-v{color:var(--gold);font-size:18px;font-weight:800;margin-bottom:2px}.stat-l{color:rgba(255,255,255,0.45);font-size:12px}
/* phone banner */
.phb{position:fixed;bottom:0;left:0;right:0;z-index:999;background:linear-gradient(135deg,var(--accent),#C93A28);padding:13px 24px;display:flex;align-items:center;justify-content:center;gap:10px;text-decoration:none;color:#fff;box-shadow:0 -4px 20px rgba(0,0,0,0.15)}
.phb-n{font-size:18px;font-weight:800}.phb-t{font-size:14px;font-weight:500;opacity:0.9}
/* footer */
.ft{background:var(--navy);padding:56px 0 88px;color:rgba(255,255,255,0.5);font-size:14px}
.ft-g{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
.ft-t{color:#fff;font-weight:700;font-size:16px;margin-bottom:12px}
.ft-h{font-size:11px;font-weight:600;color:rgba(255,255,255,0.3);letter-spacing:0.08em;text-transform:uppercase;margin-bottom:14px}
.ft a{color:rgba(255,255,255,0.55);display:block;margin-bottom:6px;font-size:14px}.ft a:hover{color:var(--accent)}
.ft-b{border-top:1px solid rgba(255,255,255,0.05);padding-top:20px;font-size:12px;color:rgba(255,255,255,0.25);display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
/* table */
.tw{overflow-x:auto;margin:20px 0}table{width:100%;border-collapse:collapse;font-size:15px}th{background:var(--navy);color:#fff;padding:12px 16px;text-align:left;font-weight:600}td{padding:12px 16px;border-bottom:1px solid var(--mid)}tr:nth-child(even){background:var(--bg)}
/* faq */
details{background:#fff;border:1px solid var(--mid);border-radius:12px;margin-bottom:8px;overflow:hidden}
details[open]{border-color:var(--accent)}
summary{padding:18px 22px;cursor:pointer;font-family:var(--sans);font-size:15px;font-weight:600;color:var(--txt);list-style:none;display:flex;justify-content:space-between;align-items:center}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:18px;color:var(--accent);flex-shrink:0;transition:0.2s}
details[open] summary::after{content:"−"}
details .faq-a{padding:0 22px 18px;font-size:15px;color:var(--txt2);line-height:1.7}
/* responsive */
@media(max-width:768px){.hd nav{display:none}.hd-m{display:block}.ft-g{grid-template-columns:1fr 1fr}.hero{padding:32px 0 40px}.sec{padding:48px 0}.cards{grid-template-columns:1fr}}
@media(max-width:480px){.ft-g{grid-template-columns:1fr}.stats{flex-direction:column}.stat{border-right:none;border-bottom:1px solid rgba(255,255,255,0.06)}.stat:last-child{border-bottom:none}}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:0.4}}

/* ── DUAL BANNER (phone + CTA) ── */
.phb2{position:fixed;bottom:0;left:0;right:0;z-index:999;display:flex;box-shadow:0 -4px 20px rgba(0,0,0,0.15)}
.phb2-phone{flex:0 0 auto;background:var(--navy);padding:13px 20px;display:flex;align-items:center;gap:8px;color:#fff;text-decoration:none;font-size:14px;font-weight:600;white-space:nowrap}
.phb2-phone:hover{background:var(--dark);color:#fff}
.phb2-cta{flex:1;background:linear-gradient(135deg,var(--accent),#C93A28);padding:13px 24px;display:flex;align-items:center;justify-content:center;gap:10px;color:#fff;text-decoration:none;transition:0.2s}
.phb2-cta:hover{background:linear-gradient(135deg,var(--accent-h),#B03020);color:#fff}
.phb2-cta strong{font-size:17px;font-weight:800}
.phb2-cta .phb2-price{background:rgba(255,255,255,0.2);padding:3px 10px;border-radius:6px;font-size:14px;font-weight:700}
.phb2-cta .phb2-sub{font-size:11px;opacity:0.75}
@media(max-width:600px){.phb2{flex-direction:column}.phb2-phone{justify-content:center;padding:10px}.phb2-cta{padding:14px}}

/* ── HEADER CTA BUTTON ── */
.hd-cta{background:var(--accent)!important;color:#fff!important;padding:10px 18px!important;border-radius:8px;font-weight:700!important;font-size:13px!important;margin-left:8px;display:flex;align-items:center;gap:6px;white-space:nowrap}
.hd-cta:hover{background:var(--accent-h)!important;color:#fff!important}
.hd-cta .hd-cta-price{background:rgba(255,255,255,0.2);padding:2px 7px;border-radius:4px;font-size:12px}

/* ── INLINE CTA DUAL ── */
.cta-dual{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:20px}
.cta-dual .btn-stripe{background:var(--accent);color:#fff;padding:16px 32px;border-radius:10px;font-weight:800;font-size:17px;display:flex;align-items:center;gap:10px;text-decoration:none;transition:0.2s;box-shadow:0 4px 20px rgba(232,85,61,0.3)}
.cta-dual .btn-stripe:hover{background:var(--accent-h);color:#fff}
.cta-dual .btn-stripe .price-tag{background:rgba(255,255,255,0.2);padding:4px 10px;border-radius:6px;font-size:14px}
.cta-dual .btn-tel{background:rgba(255,255,255,0.08);color:#fff;border:1px solid rgba(255,255,255,0.2);padding:16px 24px;border-radius:10px;font-weight:600;font-size:15px;text-decoration:none;transition:0.2s}
.cta-dual .btn-tel:hover{background:rgba(255,255,255,0.15);color:#fff}